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Auto Loan Rates in Pearland, Texas (TX) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Pearland, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 22, 2026

Current auto loan rates in Pearland, Texas include Texas Bay Credit UnionTexas Bay Credit Union11555 Magnolia Parkway, Pearland, TX, 77584A5.0 ★Texas Ratio: 8.99% offering Auto Loans - Used & New at 3.94%, Smart Financial Credit UnionSmart Financial Credit Union3060 Kirby Dr, Pearland, TX, 77584 5594A5.0 ★Texas Ratio: 10.10% offering New Auto at 3.99%, Chocolate Bayou Community Federal Credit UnionChocolate Bayou Community Federal Credit Union10618 Crossroads Plaza Dr, Pearland, TX, 77584 4508A+5.0 ★Texas Ratio: 3.27% offering Auto Loans at 4.67%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.98% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%. Auto loan rates as of April 22, 2026 according to verified data from MonitorBankRates.

Pearland has 3 local institutions in our database, with auto loan rates as low as 3.94% APR from Texas Bay Credit Union at 11555 Magnolia Parkway, Pearland, TX, 77584. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Pearland, Texas. Auto Loan Rates Last Updated and Verified: April 22, 2026

Compare Auto Loan Rates Today in Pearland, Texas & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
10618 Crossroads Plaza Dr, Pearland, TX, 77584 4508
Auto Loans
4.67%
60 Months
View
▼
APR4.67%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
10618 Crossroads Plaza Dr, Pearland, TX, 77584 4508
Auto Loans
4.92%
72 Months
View
▼
APR4.92%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
5.99%
Up to 72 months
View
▼
APR5.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedApr 19, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedApr 18, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
View
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details

As Low As

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New Autos
3.24%
12 - 36
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details

As Low As

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Pre-Owned Autos
3.24%
12 - 36
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
Auto Loans
3.33%
18 Months
View
▼
APR3.33%
Term18 Months
Last UpdatedApr 19, 2026
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 100,000 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; All model years

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
Up to 36 Months
View
▼
APR3.65%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
37 - 48 Months
View
▼
APR3.65%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
49 - 60 Months
View
▼
APR3.65%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
61 - 72 Months
View
▼
APR3.65%
Term61 - 72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72 Months
View
▼
APR3.67%
Term36 to 72 Months
Last UpdatedApr 18, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
73 - 84 Months
View
▼
APR3.67%
Term73 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; All model years

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedApr 18, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
View
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fixed-Rate up to 36 months

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
View
▼
APR3.90%
Term1 - 84 months
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
View
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
View
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
View
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedApr 22, 2026
Details

Annual Percentage Rate (APR)

City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
View
▼
APR3.99%
Term0-48
Last UpdatedApr 18, 2026
Details

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; 24 month to 84 month terms

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
View
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
View
▼
APR3.99%
Term36 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedApr 19, 2026
Details

As Low As

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 19, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2020 & newer

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
View
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Refinances
4.00%
84 Months
View
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 36 months

Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
View
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loan
4.05%
36 Months
View
▼
APR4.05%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Model Years: 2019-2025

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
View
▼
APR4.15%
Term1 - 78
Last UpdatedApr 18, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedApr 19, 2026
Details

As Low As

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
View
▼
APR4.25%
Term1 - 72
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 48 months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 36 months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 48 months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Up to 2026 Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 19, 2026
Details

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
View
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 18, 2026
Details

As Low As

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 100,000 miles

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
View
▼
APR4.35%
Term1 - 66
Last UpdatedApr 18, 2026
Details

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
View
▼
APR4.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 84 months

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.35%
60 months
View
▼
APR4.35%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedApr 18, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
View
▼
APR4.45%
Term1 - 60
Last UpdatedApr 18, 2026
Details

Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Autos 2026-2022
4.49%
0-24
View
▼
APR4.49%
Term0-24
Last UpdatedApr 17, 2026
Details

As Low As

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 125% of MSRP with approved credit.

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
View
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
View
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.49%
72-month
View
▼
APR4.49%
Term72-month
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36-month
View
▼
APR4.49%
Term36-month
Last UpdatedApr 19, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 & newer

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

up to 60 month financing available

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
New/Used Auto Loan (730+ Credit Score)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 48 months

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedApr 19, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedApr 19, 2026
Details

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
2022-2026 Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 100,000 miles

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.55%
2 Yrs
View
▼
APR4.55%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2011 to 2015

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2019
4.55%
1 - 54
View
▼
APR4.55%
Term1 - 54
Last UpdatedApr 18, 2026
Details

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
View
▼
APR4.55%
Term24 months
Last UpdatedApr 19, 2026
Details

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 72 months

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
2023-2026 Auto Loan
4.60%
66 Months
View
▼
APR4.60%
Term66 Months
Last UpdatedApr 19, 2026
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
View
▼
APR4.64%
Term66 - 74 Months
Last UpdatedApr 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Refinance
4.64%
54 months
View
▼
APR4.64%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.65%
3 Yrs
View
▼
APR4.65%
Term3 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2016 to 2019

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2018
4.65%
1 - 48
View
▼
APR4.65%
Term1 - 48
Last UpdatedApr 18, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details

Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan Refinance
4.69%
1 - 63
View
▼
APR4.69%
Term1 - 63
Last UpdatedApr 8, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.70%
2 Months
View
▼
APR4.70%
Term2 Months
Last UpdatedApr 18, 2026
Details

2011 to 2015 Model Year

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.74%
Up to 60 months
View
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Autos
4.74%
2 Years or Less
View
▼
APR4.74%
Term2 Years or Less
Last UpdatedApr 8, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
View
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60-month
View
▼
APR4.74%
Term60-month
Last UpdatedApr 19, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.75%
4 Yrs
View
▼
APR4.75%
Term4 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2020 to 2024

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2017
4.75%
1 - 42
View
▼
APR4.75%
Term1 - 42
Last UpdatedApr 18, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
View
▼
APR4.75%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
View
▼
APR4.75%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2024 & newer

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
Auto Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.75%
72 months
View
▼
APR4.75%
Term72 months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 72 months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 60 months
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 72 months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 19, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 60 months

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
2024-2026 Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.79%
7 yrs**
View
▼
APR4.79%
Term7 yrs**
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
5.99%
Up to 72 months
View
▼
APR5.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX, 77584 5594
New Auto
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedApr 19, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedApr 18, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
View
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details

As Low As

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New Autos
3.24%
12 - 36
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 7,500 miles

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
Up to 36 Months
View
▼
APR3.65%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
37 - 48 Months
View
▼
APR3.65%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
49 - 60 Months
View
▼
APR3.65%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
61 - 72 Months
View
▼
APR3.65%
Term61 - 72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72 Months
View
▼
APR3.67%
Term36 to 72 Months
Last UpdatedApr 18, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
73 - 84 Months
View
▼
APR3.67%
Term73 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
View
▼
APR3.90%
Term1 - 84 months
Last UpdatedApr 18, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
View
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedApr 19, 2026
Details

As Low As

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedApr 19, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 36 months

Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
View
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedApr 19, 2026
Details

As Low As

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 48 months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
View
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 18, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 7,500 miles

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
View
▼
APR4.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 84 months

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedApr 18, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 125% of MSRP with approved credit.

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
View
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.49%
72-month
View
▼
APR4.49%
Term72-month
Last UpdatedApr 19, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

up to 60 month financing available

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
New/Used Auto Loan (730+ Credit Score)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 48 months

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedApr 19, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 7,500 miles

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
View
▼
APR4.55%
Term24 months
Last UpdatedApr 19, 2026
Details

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
View
▼
APR4.64%
Term66 - 74 Months
Last UpdatedApr 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
View
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
View
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
View
▼
APR4.75%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto Loan - 72 months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 19, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 60 months

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.79%
7 yrs**
View
▼
APR4.79%
Term7 yrs**
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX, 77584
Auto Loans - Used & New
5.44%
73-84
View
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
View
▼
APR3.24%
Term24 Months
Last UpdatedApr 18, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
View
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details

As Low As

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Pre-Owned Autos
3.24%
12 - 36
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 100,000 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; All model years

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
Up to 36 Months
View
▼
APR3.65%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
37 - 48 Months
View
▼
APR3.65%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
49 - 60 Months
View
▼
APR3.65%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
61 - 72 Months
View
▼
APR3.65%
Term61 - 72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72 Months
View
▼
APR3.67%
Term36 to 72 Months
Last UpdatedApr 18, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
73 - 84 Months
View
▼
APR3.67%
Term73 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; All model years

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
View
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
View
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 36 months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2020 & newer

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
View
▼
APR4.15%
Term1 - 78
Last UpdatedApr 18, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
View
▼
APR4.25%
Term1 - 72
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
View
▼
APR4.25%
TermUp to 36
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 36 months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 48 months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
View
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 18, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 100,000 miles

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
View
▼
APR4.35%
Term1 - 66
Last UpdatedApr 18, 2026
Details

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedApr 18, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
View
▼
APR4.45%
Term1 - 60
Last UpdatedApr 18, 2026
Details

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
View
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36-month
View
▼
APR4.49%
Term36-month
Last UpdatedApr 19, 2026
Details

As Low As

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2022 & newer

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.50%
37 - 48 Months
View
▼
APR4.50%
Term37 - 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
New/Used Auto Loan (730+ Credit Score)
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedApr 19, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
View
▼
APR4.54%
Term71 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fewer than 100,000 miles

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2019
4.55%
1 - 54
View
▼
APR4.55%
Term1 - 54
Last UpdatedApr 18, 2026
Details

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
View
▼
APR4.55%
Term24 months
Last UpdatedApr 19, 2026
Details

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
View
▼
APR4.60%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 72 months

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.64%
66 - 74 Months
View
▼
APR4.64%
Term66 - 74 Months
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2018
4.65%
1 - 48
View
▼
APR4.65%
Term1 - 48
Last UpdatedApr 18, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As; Qualified buyers: Take 90 days to make your first payment.

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.74%
Up to 60 months
View
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60-month
View
▼
APR4.74%
Term60-month
Last UpdatedApr 19, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2017
4.75%
1 - 42
View
▼
APR4.75%
Term1 - 42
Last UpdatedApr 18, 2026
Details

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
View
▼
APR4.75%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As; 2024 & newer

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 60 months
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto Loan - 72 months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

Up to $250,000; As Low As

Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 19, 2026
Details

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.79%
7 yrs**
View
▼
APR4.79%
Term7 yrs**
Last UpdatedApr 18, 2026
Details

Pearland, TX Auto Loan Rate Trends

Compare local Pearland, TX auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Texas Auto Trends →
New Auto Loan — TX Avg
5.399%
▼ 0.246 vs 7 days ago

Texas new auto rates fell 0.246 points over the past 7 days to 5.399% APR.

Used Auto Loan — TX Avg
6.284%
▲ 0.243 vs 7 days ago

Texas used auto rates rose 0.243 points over the past 7 days to 6.284% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Pearland, Texas

How does my credit score affect my car loan rate in Texas?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Pearland, Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Pearland, Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Pearland, Texas?

Based on our current data, some of the lowest auto loan rates available in Pearland, Texas include:
  • Texas Bay Credit Union: 3.94% (Auto Loans - Used & New)
  • Smart Financial Credit Union: 3.99% (New Auto)
  • Chocolate Bayou Community Federal Credit Union: 4.67% (Auto Loans)
  • IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
  • TEXOMA EDUCATORS: 2.99% (New vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Pearland, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 22, 2026

Pearland, Texas Rates & Resources

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